Bilansi uspjeha - Raiffeisen Bank

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Makroekonomski agregati 14 www.raiffeisenbank.ba Finansijski sistem i dalje pokazuje karakteristike svoje bankovne zasnovanosti, što potkrepljuje podatak o finansijskoj snazi bankarskog sistema. Naime, ukupna aktiva bankarskog sektora na kraju 2005. godine čini 85 postotnih poena bruto domaćeg proizvoda. S druge strane, istodob- no s financijskim jačanjem bankarskog sektora došlo je do rasta prometa na uređenim tržištima vrijednosnih papira (SASE – Sarajevo Stock Exchange i BLSE – Banja Luka Stock Exchange). Tako je na SASE zabilježen promet vrijednosnim papirima u iznosu od 283.77 mio EUR, dok je u isto vrijeme na BLSE zabilježen promet od 142.14 mio EUR. U 2006. godini očekuje se nastavak pozitivnog trenda na berzanskim tržištima, te se stoga na SASE predviđa promet vrijednosnim papirima u iznosu od 374 mio EUR. Konsolidacija bankarskog sektora iskazana rastom koncentracije vodećih bankarskih grupa, ulazak stranih finansijskih institucija kroz preuzimanje domicilnih banaka, te povećanje efikas- nosti i profitabilnosti bankarskog poslovanja fundamentalne su karakteristike bh. bankarskog sektora u 2005. godini. Tokom godine Nova Ljubljanska Banka preuzela je dvije bh. banke - Tuzlansku Banku i Razvojnu Banku Jugoistočne Evrope iz Banja Luke. BankAustria CreditAnstalt izvršila je akviziciju Nove Banjalučke Banke, dok je talijanska Banca Intesa preuzela manjinski udjel u UPI Banci iz Sarajeva, te je već na početku 2006. godine javnom ponudom stekla preko 80% vlasništva nad ovom bankom. Ovaj proces doveo do jačanja koncentracije, mjereno udje- lom aktive 5 vodećih bankarskih grupa u ukupnoj aktivi bankarskog sektora, te ona na kraju 2005. godine iznosi preko 78 posto. Istovremeno je udjel aktive banaka u stranom vlasništvu u ukupnoj aktivi bankarskog sektora narastao na razinu od 90.7 postotnih poena. Tokom promatranog razdoblja aktiva bh. bankarskog sektora rasla je po stopi od 26 posto, te je na kraju 2005. godine ostvarila vrijednost od 11.77 mlrd BAM. Doprinos kontinuiranom i signifikantnom procesu rasta bankarskog sektora, prema nerevidiranim podacima, dao je rast ukupnih depozita u relativnom iznosu od 27 posto. S druge strane, ukupni krediti su tokom godine rasli po stopi od 29 posto. U konačnici ovo je dovelo do smanjenja omjera pokrivenosti ukupnih kredita ukupnim depozitima na razinu od 1.25, što je još uvijek značajno više u odnosu na razvijene evropske bankarske sisteme. Promatrajući u cjelini, učinkovitost i profitabilnost bh. bankarskog sektora dosegla je respektabil- no visoku razinu. Na kraju 2005. godine ostvarena je konsolidirana dobit poslije oporezivanja u iznosu od 96 mio BAM, što predstavlja rast ove agregirane varijable u odnosu na prethodnu godinu u relativnom iznosu od 71 procentnog poena. Proces razvoja i rasta bankarskog sektora i u narednoj godini uzrokovat će nastavak konsoli- dacijskih procesa. Unatoč tome što ove godine nije došlo do smanjenja broja banaka, u nared- nom razdoblju taj će se proces sasvim izvjesno intenzivirati kao rezultat međusobnog spajanja i pripajanja banaka koje su u vlasništvu istih poslovnih subjekata. Isto tako, razvoj pregovora s EU doprinijet će usvajanju potrebnih institucionalnih okvira kao neophodnog preduvjeta u struk- turnom jačanju bankarskog i ukupnog finansijskog sistema u Bosni i Hercegovini.
Macroeconomic Aggregates Financial system still shows characteristics which indicate that it is based on banking, which is supported by the data on financial strength of the banking system. Namely, total assets of the banking sector at the end of year 2005 makes 85 of percentage points of gross domestic product. On the other hand, along with the financial strengthening of the banking sector there was a growth of trading oriented securities markets (SASE – Sarajevo Stock Exchange and BLSE – Banja Luka Stock Exchange). So, securities on SASE was recorded in amount of EUR 283.77 mio, while at the same time trading on BLSE was EUR 142.14 mio. In 2006, positive trend on stock exchange markets is expected to be continued, and therefore SASE forecasts securities trading in amount of EUR 374 mio. Consolidation of the banking sector is reflected in increase of concentration of leading bank groups, entry of foreign financial institutions through acquisition of domestic banks, as well as increase in efficiency and profitability of the banking operations are fundamental characteristics of BH banking sector in the year 2005. During the year, Nova Ljubljanska Banka acquired two BH banks – Tuzlanska Banka and Razvojna Banka Jugoistočne Evrope, while Italian Banca Intensa acquired minor share in UPI Banka from Sarajevo, and already at the beginning of 2006, through the public offer, it acquired 80% of ownership over this bank. This process led to strengthening of concentration, measured by share of assets of 5 leading banking groups in total assets of the banking sector, and at the end of 2005 this share was over 78%. At the same time, share of assets of banks in foreign ownership in total assets of the banking sector reached the level of 90.7 percentage points. During the observed period, assets of BH banking sector increased by a rate of 26 per cent, and at the end of 2005 it realised value of BAM 11.77 billion. Contribution to continuous and significant growing process of the banking sector, according to the unaudited data, resulted in growth of total deposits in relative amount of 27 percent. On the other side, total loans increased under the rate of 29 percent during the year. Finally, this led to decrease of coverage ratio of total loans by total deposits at the level of 1.25, which is still significant in comparison to the developed banking systems. By observing the overall situation, efficiency and profitability of BH banking sector reached respectably high level. At the end of 2005, consolidated profit after taxation was generated in amount of BAM 96 mio, which represents increase of these aggregated variables in comparison to the previous year in relative amount of 71 percentage points. Process of development and growth of banking sector will cause continuation of consolidation processes in the forthcoming year as well. Despite the fact that there was no decrease in number of banks in this year, in the next period this process will be certainly intensified as a result of mutual merger and acquisition of banks which are owned by the same legal entities. Also, development of negotiations with EU will contribute to adoption of required institutional frames as a necessary precondition in structural strengthening of banking sector and overall financial system in Bosnia and Herzegovina. www.raiffeisenbank.ba 15
Page 2: Pregled ključnih podataka Survey o
Page 5 and 6: Sadržaj Contents Izvještaj predsj
Page 7 and 8: www.raiffeisenbank.ba 5
Page 9 and 10: Report by the President of the Supe
Page 11 and 12: Introduction by Chief Executive Off
Page 15: Macroeconomic Aggregates Macroecono
Page 19 and 20: The RZB Group and Raiffeisen Intern
Page 21 and 22: Raiffeisen BANK d.d. Bosnia and Her
Page 23 and 24: Vision Raiffeisen BANK d.d. Bosnia
Page 31 and 32: Nadzorni odbor Supervisory Board Up
Page 33 and 34: Corporate Banking Division Corporat
Page 35 and 36: Retail Division Retail Savings Comp
Page 37 and 38: Cards Business Growth in issuing ca
Page 39 and 40: SME segment SME market BiH market i
Page 41 and 42: Treasury and Financial Market Divis
Page 43 and 44: Finance and Accounting Division Ope
Page 45 and 46: Central Processing Division In an e
Page 47 and 48: Domestic payments During 2005, numb
Page 49 and 50: Balance Sheet As of 31. December 20
Page 51 and 52: Statements of Income For the years
Page 53 and 54: Petogodišnja usporedba finansijski
Page 55 and 56: Ukupna aktiva Total assets EUR 000
Page 57 and 58: Operativni rezultati Poslovanje Ban
Page 59 and 60: Usporedba troškova poslovanja i uk
Page 61 and 62: Izvori finansiranja Funds sources U
Page 63 and 64: Krediti preduzećima Loans to compa
Page 65 and 66: Depoziti komitenata Customer deposi
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Depoziti stanovništva Deposits fro
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www.raiffeisenbank.ba 67
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Adresar Addresses and contacts Raif
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Slovakia Tatra banka, a.s. Hodžovo
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alph.zeitlberger@rba-belgrade.raiff
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Phone: (+43-1) 71 707-1588 Fax: (+4
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Poland Raiffeisen Investment Polska
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Responsibility for Financial Report
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INDEPENDENT AUDITORS’ REPORT To t
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Income Statements For the years end
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Balance Sheets as at 31 December 20
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Statements of cash flows For the ye
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Statements of changes in shareholde
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Notes to the financial statements 3
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Bilansi uspjeha - Raiffeisen Bank

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